Louisville, KY · Charter 10948
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -2.33% | -2.59% | -2.55% | -3.04% | -290 bps | |
| Return on Equity | -0.89% | -17.64% | -20.61% | -21.07% | -24.95% | -2,406 bps | |
| Net Interest Margin | 3.47% | 3.00% | 3.30% | 3.21% | 3.78% | +31 bps | |
| Efficiency Ratio | 74.67% | 95.30% | 60.87% | 68.47% | 80.52% | +586 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.49% | 22.93% | 23.75% | 17.37% | -0.82% | -1,031 bps | |
| Loan Growth (YoY) | -0.90% | -1.30% | 1.10% | 1.77% | -12.88% | -1,198 bps | |
| Share Growth (YoY) | 11.75% | 29.53% | 31.97% | 24.21% | 2.85% | -891 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.86% | 7.49% | 0.61% | 1.24% | 0.09% | -677 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.93% | 0.93% | 1.95% | 2.38% | +152 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.10% | 13.19% | 12.58% | 12.09% | 12.18% | -291 bps | |
| Net Worth / Assets | 15.10% | 13.19% | 12.58% | 12.09% | 12.18% | -291 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.73% | 72.03% | 72.22% | 76.05% | 73.47% | -1,326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |